Overview

Who is this credit card designed for?

DCU Visa Platinum® Secured Credit Card is a secured credit card credit card issued by Digital Federal Credit Union, which is based in Marlborough, MA.  Secured cards are a type of credit card that is backed by a secured payment, which is used as collateral. These cards are often used by borrowers with poor credit or little credit history to help build their credit.

DCU Visa Platinum® Secured Credit Card is designed for people with a credit score of 300 to 640. It's perfect for consumers looking for a card without an annual fee. This card supports balance transfers, which is an attractive feature if you have credit card debt and would like to transfer it to a card with a lower APR. Digital Federal Credit Union is one of the few credit card issuers that allows applicants to include a cosigner, which improves the approval chances of people with not-so-great credit.

What are the relevant APRs?

DCU Visa Platinum® Secured Credit Card has a variable purchase APR starting at 13%.

The card has a variable balance transfer APR starting at 13%.

It also has a variable cash advance APR starting at 13%.

Note that late payments are subject to an APR of 18% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Is an introductory APR offer available?

No, DCU Visa Platinum® Secured Credit Card does not come with an introductory APR offer for balance transfers.

DCU Visa Platinum® Secured Credit Card does not offer an introductory rate on new purchases.

What are the fees?

The following fees apply to DCU Visa Platinum® Secured Credit Card:

• There is no annual fee.
• A late payment penalty of up to $35.
• A returned payment fee of up to .
• There is no overlimit fee
• There are no foreign transaction fees.

Is a rewards program offered?

No, DCU Visa Platinum® Secured Credit Card does not offer a rewards program.

Is a signup bonus offered?

DCU Visa Platinum® Secured Credit Card doesn't offer a cash signup bonus.

Is an annual loyalty bonus offered?

DCU Visa Platinum® Secured Credit Card doesn't offer a cash loyalty bonus.

What additional benefits are offered?

 DCU Visa Platinum® Secured Credit Card provides the following benefits:

Does DCU Visa Platinum® Secured Credit Card report your account activity to credit bureaus?

DCU Visa Platinum® Secured Credit Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian

Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.